About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.
We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.
The Role Responsibilities
1. Identifying, Development, Reviewing And Implementation Of Credit Policies And Risk Management Strategies in relation to the Business Banking products particularly Business Working Capital.
Reviewing existing credit policies continuously via analytics, to ensure its effectiveness towards achieving the Bank's goals.
Develop new policies to effectively manage Through-the-Door (TTD) and Portfolio risk aligned to the risk appetite of the bank.
To ensure credit policies are uniformly communicated, implemented and properly documented and kept.
To work with the product team for identification and implementation of strategic initiatives via test cell to explore new opportunities and effectiveness of current policies.
Perform in depth customer database via portfolio MIS, to identify leakages and undertake strategic actions.
Ensure implementation of deliverables within the risk appetite framework is delivered in a timely manner.
Perform gap analysis per group policies and standards and adopt accordingly in-country or obtain dispensation in a timely manner.
Ensure continuous compliance to all Regulatory requirements which are to be incorporated as appropriately into the policies & standards.
2. Business Banking Portfolio Management covering TTD and portfolio segmentation, Collection review, Security Documentation Deficiency review etc.
Participate to deliver sustainable capital growth, improve return on capital and optimize the balance sheet profile.
Ensure LAR, IIP, PIP and RORWA are within budget and forecast.
Review monthly MIS for PQR, approval rate, reject rate, portfolio performance, portfolio segmentation.
Review and ensure compliance to established booking caps, portfolio triggers and threshold with required action taken on a pro-active basis.
Active participation in periodic reviews with Collections and pro-actively take necessary remedial action on policies as necessary.
Lead and coordinate effectively ASTAR report preparation and monthly ASTAR reviews.
Prepare and review daily monitoring reports under BWC portfolio and ensure effective follow up with Business and Collection on implementation of necessary actions.
3. Provide Support to Marketing and Sales Initiatives and Other Support Centers eg: Credit Initiation, Collection Operations, and Risk PM&F etc..
Provide necessary credit risk support to front liners in existing and new product initiatives
Support Business Banking to formulate, implement and continuous pipeline of initiatives including Supply Chain Financing, accepting government guarantees (i.e. SJPP and CGC) under BWC program, other products bundling initiative for BB clients.
Maintain effective working relationship with Credit Initiation to seek areas of improvement for KPI measurements on approval rates
Support initiatives for periodic portfolio feedback sessions with other department as well as other countries offering BB products. Learning and best practices to improve current and future activities
Work with Group Risk and country PM&F team to provide BWC portfolio MIS for effective portfolio tracking, triggers and exploration to the Management
Work with Group and Country stakeholders on the implementation of BWC Account Monitoring Automation project.
Our Ideal Candidate
Tertiary qualification preferably with fields of study in Accounting, Finance, Banking, Economics or Engineering.
Minimum 4 years of relevant experience is preferable - either risk management experience in a Retail Banking / Commercial Banking environment or with Business Banking experience.
Well versed in trade products and the Business Banking segment/industry of Malaysia is preferable.
Possess a pro-active nature and an attitude to consistently seek out any possible solutions to ensure tasks as completed in an effective and efficient manner.
Possess good time management skills to ensure tasks are prioritized for completion in order of urgency.
Independent in nature and has good ability to understand when and how to escalate issues/obstacles to Seniors for possible solutions.
Good communication skills with all facet of the organisation. This will include dealing with all relevant stakeholders namely Product, Front Line, Credit Initiation and Collections.
Possess a mindset and motivation to continuously seek improvement on a personal basis as well as the organisation.
Apply now to join the Bank for those with big career ambitions.